Hi Everyone,
Hope you all had a great October.
Firstly many thanks to everyone who helped me to achieve some extra Beer Money this month it is super appreciated. I have been chuffed every time I see a post that gives me an opportunity to get some extra £'s, $'s or €'s.
It is great to see so many people sharing their referrals and helping out others in the threads.
Just wanted to share with the community how in October 2020 I made £774.25 through using the Beer Money UK Reddit group. Tonight is the first time I have added it all up and I am really surprised it was so high. I thought it was going to be half around £350! Therefore, I am super happy to share with everyone what I did.
Hopefully it will help some other people to make some extra money this month. Please feel free to comment below or reach out to me on DM if you have any questions. The economy if a bit rubbish right now and I appreciate their are lots of people out there that could with a few extra pounds to make ends meet.
For background I set up this Reddit account about 2 months ago during lock down as a result of having my hours at work decreased by 20 hours a week. I was worried money might get a little tight and as a result I thought it would be idea to try and make some extra money with the additional time I had.
Thinking / hoping it would just be for a temporary period I wanted to choose something I could pick up and put down easily, that had no set hours. I considered flowing options:

• Micro task sites
• Surveys / Product reviews etc
• Mystery shopping etc
• BeerMoneyUK

I tried a few Micro task sites and earned a small amount, ~£20 ish pounds or so, but I was so mind-numbingly bored from them that I discounted them as an option. Congrats to everyone that is making money this way. I mainly tried Neevo / Defined Crowd. I lost the will to live when I had to listen to recording of two of the same thing and say which one I liked better eg 'Go right at the next junction' only to find I got the answers wrong. How I could get the answers wrong to which one I preferred I do not know?!?
The surveys I did try paid too small amount for the time they took and I also found them boring.
I could not be bothered going out to do shopping, and it was the middle of a pandemic, so I discounted mystery shopping.
That left with me with using BeeryMoneyUK as my test bed for additional income from signing up to new services :)
After trying the above in September time. October was my first full month of utilising the offers from BeerMoneyUK.
Here is my October 2020 Earning Report:

• Earnings in GBP: £447.70
• Earnings in EUR: €184.00 (£175.91)
• Earnings in USD: $195.00 (£150.64)

Total earnings: £774.25
Note, I haven't included fees in this report as it would take a while to work out and would only be a small percentage of the amount ~2%.
Also with regards the Bitcoin / cryptocurrency bonuses I keep these in denominated in Bitcoin. There is no chance I am selling these for fiat!!! I also have not accounted for the rise in Bitcoin price that will have pushed my earning up higher :)
Tips for people looking to maximize income from BeerMoneyUK:
Here are my observations and tips for people like me looking to make a little bit of money on the side with their free time:

1. Make sure you have ID (passport, driving license, bank statements etc), all the best offers require some sort of verification / KYC. Keep copies of these on your hard drive in a specific folder so you can drag and drop them when needed.
2. Make sure you have a Euro / Multi-Currency accounts. Shameless plug for Bitwala and TransferWise both of these accounts have enabled me to fully take advantage of Euro and USD offers. I use both the web based and app versions regularly for these accounts. Its nice to get a phone notification letting you know a payment or transfer has arrived. So I can immediately send it back to my main account.
3. Read the BeerMoneyUK rules. They help keep the place running smoothly.
4. I use a separate Browser for everything BeerMoneyUK related. The browser I use is Brave This is logged into this Reddit account and has LastPass Chrome Extension installed to save all my passwords. Chrome extensions all work well in Brave. I create unique random 20+ character passwords for all my accounts. Using Last Pass means you do not need to remember them. Having a dedicated browser for all the deals makes things work well. It also auto populates many of the signup forms to save time.
5. Best types of offers in order of size free bonuses; Bank Switches, Money Transfer Services, Cryptocurrency, P2P Investing. Don't be scared to get stuck into new markets and try services you wouldn't normally try. Give it ago and make some free money along the way! Also for bank switches I do not use my main account. I just create an additional current account that can be switched. Pretty much all banks let you do this and it takes 5 mins to set up. If the switched have requirements no problems... Eg must have 3 payments/direct debits set up. Ok :) link account to Paypal (2 mins), set up regular monthly payment to main account £1 a month, set up regular monthly payment of £1 a month into TransferWise account.
6. Learn to love Bitcoin :) £10 in Bitcoin today is worth £100 in Bitcoin sometime very soon, and £1,000 in the not too distant future. I think anyone that does spends the time to find out more about Bitcoin will end up either loving it or at the very least respecting it as an investment asset that should be in everyone's portfolio. When viewing offers for free Bitcoin I view it in this mindset. If an exchange wants to give me £10 of free Bitcoin I see it as them giving me £100-£1000 for free! Don't cash Bitcoin out! Hodl!
7. When you post an offer to help people via DM as well as in the thread. At least 3 people have DM'd me asking for help with offers and I have helped them with one, and then helped them further by suggesting similar offers.
8. Use a laptop / Desktop to do the offers. I think it would be a struggle for me to do all the offers if I could not use these. Also you do need to have your phone handy for some. Have an authenticator app installed for 2FA (two factor authentication). Save all 2FA's in this app.
9. Be organised! I have a Google Doc that I list all my offers on. Here is a BeerMoneyUK Template version made for people to use. Feel free to copy and then edit it: https://onedrive.live.com/view.aspx?resid=197E853733392C3A!3518&ithint=file%2cdocx&authkey=!AKAVtjAHW_OqsRg
10. Check BeerMoneyUK regularly. I sort posts by 'new' and check all the posts that have been made since the last time I checked. This ensure I do not miss anything. If I see something to sign up for I copy the URL and add it to my Google Doc. I pretty much sign up for things only when I have the time (weekend or evenings).
11. Money... Unfortunately the old adage is true. It takes money to make money. I am not sure how much I have spent this month on money transfers etc, and although you do get all your money back, for lots of offers you do need to have at least some money to start with. I probably used a good £500 to put towards my money transfers etc. To reduce the impact of this make sure you have a system in place to quickly recycle your cash and avoid doing any offers that require you to lock up your capital for too long unless you have the cash. For example the P2P offers below can be cashed out in a month. But some of the investments on the October.EU platform are 48 months!! No chance I would invest in them. I want a quick in and out. 3 months max, maybe 6 months at a push for a good deal. Nearly all of the deals below are instant meaning you can cash out immediately.
12. Every little bit adds up. Sometimes I think should I do this one is only worth £5. Do it! Everything adds up, especially when you consider the last point
13. Share your referral link. After you have received your referral bonus make sure you share your link on the thread you signed up with and also create your own post on the BeerMoneyUK Reddit.

I am super happy to help so please feel free to send me a DM if you have any questions. I would be only too pleased to help someone make an extra bit of Beer Money in time for Christmas. Especially now I will have likely more time with the new lock down!!
​
How much time did it take?
I did not time myself doing these offers so hard to be exact. I would guess it has taken me between 30-50 hours in total for the month.
When signing up for offers I get side tracked. I do not see it as work because I am at home and the time is flexible. I might start one thing only to get distracted by life. I also do not try and do everything as fast as possible. I like learning new things and figuring out how something works. So I often find myself reading around a topic, or watching a few YouTube videos, to get a better understanding of something.
My plan is to time myself for November so hopefully I will have an accurate idea at the end of the month. I think it will take less hours this month as I have already completed a lot of sign-ups and written most of the referral posts that will just need to be re-posted.
​
Here is a breakdown of my October 2020 Earnings:
These are all the offers I did in October. Most of the income I have made in October is from actually signing up to the offers in question.
It would be super good if for November I can make some money from some of you excellent people signing up for the deals you think are good for you. Please make use of the referral links below and I will be eternally grateful, please remember to share your referral links to on the relevant posts!!
The deals below are in no particular order. I just pasted them from my own document. Here is a template version for you to copy/save so you can edit:
https://onedrive.live.com/view.aspx?resid=197E853733392C3A!3518&ithint=file%2cdocx&authkey=!AKAVtjAHW_OqsRg
​
Company: Costa Coffee
Category: Free money
Get a free £3 when signing up and making your first purchase!
My Referral Link: https://swf3j.app.goo.gl/JCbSp
Invite code: IPLOO
Non Referral Link: https://www.costa.co.uk/ Download the app and enter the referral code when asked at signup for a Free £3
Earnings: £3
​
Company: Zumo Money
Category: Cryptocurrency
Get £5.50 when you sign up to Zumo Money and use my referral code
Referral code: ABC123
Earnings: £5.50
​
Company: TransferWise
Category: Free money
My thread: Fee-free transfer up to £500 and a £5 reward for when using the TransferWise debit card
Earning: £0
​
Company: Viainvest
Catergory: Free money
My thread: Free €15 when you deposit €50
Earnings: €15
​
Company: Tide Bank
Catergory: Free money
My thread: Get a Free £50 when you open an account
Earnings: £50
​
Company: Crypterium
Catergory: Crptocurrency
Offer: Free $5 when buy 50 euro of BTC
My Referral link Free $5
Non referral link no bonus
Earnings: $5
​
Company: October
Category: Free money
My thread: Get a free €20 to invest with October - No spending required
Earnings: €20
​
Company: Wirex
Category: Cryptocurrency
My thread: $10 of free Bitcoin for new users
Earnings: $10
​
Company: Lloyds Bank
Category: Account Switch
Offer: Get £100 for switching your account
Earnings: £100
​
Company: Kriptomat
Category: Cryptocurrency
Offer: buy or sell 100EUR or more of crypto, you’ll receive 10EUR worth of free Bitcoin!
My Referral Link Free €10
Non referral link no bonus
Earnings: €10
​
Company: Passfolio
Category: Free money
My thread: Get a free stock worth $1 and $100 with a $25 deposit (suitable for UK users)
Earnings: $100
​
Company: Curve
Category: Free Money
Offer: Get a free £5 for signing up to Curve
My Referral Link Free £5
Non referral link No bonus
Referral code: DWB926AD
Earnings: £5
​
Company: Swissborg
Category: Cryptocurrency
Offer: Get a bonus reward between €1-€100 in Bitcoin for signing up
My Referral Link €1-€100 bonus
Non referral link no bonus
Earnings: €14
​
Company: Xendpay
Category: Free money
Offer: £10 off your first money transfer
My Referral Link £10 bonus
Non referral link no bonus
Referral code: E471136
Earnings: £10
​
Company: Brave
Category: Passive Income
My thread: Brave browser - Earn around £5 a month by trying a new browser
Earnings: £21.20
​
Company: Mode Banking
Category: Cryptocurrency
My thread: Free £10 with Mode Banking when you buy or deposit £100 worth of Bitcoin (UK based)
Earnings: £68
​
Company: InstaCoin UK
Category: Cryptocurrency
My thread: Instacoin UK - Get a free £10 worth of Bitcoin (same day) for £100 Bitcoin purchase (UK Only)
Earnings: £80
​
Company: Gemini
Catergory: Cryptocurrency
My thread: Gemini get $10 free in bitcoin when you buy or sell $100 worth of Bitcoin - Now accepting UK Bank deposits
Earnings: $10
​
Company: Metro
Category: Free Money
Offer: Switch to Metro Bank, we’ll send you £50
My Referral link Free £50
Non referral link no bonus
Earnings: £?? bonuses are paid in January 2021 so I do not know how many people have signed up with my link yet.
​
Company: BlockFI
Category: Cryptocurrency
My post: Earn Interest on your Bitcoin and Get a free $10 when you open an account
Earnings: $10
​
Company: WorldRemit
Category: Free Money
My post: WorldRemit get a free £20 for sending £100 to yourself
Earnings: £60
​
Company: Bitrefill
Category: Cryptocurrency
My post: $5 free with Bitrefill for purchasing $50 gift cards
Earnings: $20
​
Company: Luno
Category: Cryptocurrency
My post: Get an instant free £10 when you buy £100 in Bitcoin
Earnings: £10
​
Company: Bitwala
Category: Free money
My post: Get 15€ from for opening a European bank account (no deposit needed!)
Earnings: €60
​
Company: Crypto.com
Category: Cryptocurrency
My post: Crypto.com Visa Card: $50 bonus, Free Spotify, 1-8% cashback on all purchases
Earnings: $50
​
Company: CurrencyFair
Category: Free money
My Post: Free 50€ when you transfer 2000€ to yourself using CurrencyFair
Earnings: €50
I had to remove the links for this one as currencyfair contacted me. They are happy for me to share the link in private though so DM me for the link if you want it :)
​
Company: BitPanda
Category: Cryptocurrency
My post: Get a free 15€ from Bitpanda exchange
Earnings: €15
​
Company: Skrill
Category: Free money
My post: Free £10 on your first money transfer
Earnings: £20
​
Company: Twino
Category: Free money
My post: Free £15 for new users wanting to try out P2P investing
Earnings: £15
​
Company: TransferGo
Category: Free money
My post: Get a quick £10 for free transferring money to yourself
Earnings: £30

How to open accounts to send and receive EUR and other currencies (and make £53, 15 EUR and 5 DUK+)

There are quite a few offers on currently that allow you to get bank account that allows you to send and receive EUR and other currencies whilst a resident of the UK.
Having these accounts can be really useful for some of the foreign exchange, investment and cryptocurrency offers as you often need to send or receive money in an international account, or deposit or withdraw in another currency.
They're also really handy for converting other currencies back into GBP so you can send your profits back to your main account if that's your aim.
Some accounts offer rewards and additional features, such as cash bonuses, free transfers, preferential/no-fee exchange rates and linked cryptocurrency wallets.
I've tried to summarise all I'm aware of in the table below, and go into further details about each underneath. Non-referral links and links to additional informations and terms will be in each of these sections too.

Summary

Name	Based	IBAN	Card Available	Crypto Wallet	Bonus
Fineco Bank	Italy	IT	Yes	No	£50
TransferWise	UK	BE	Yes	No	Free transfer
bnc10	Spain	ES	Yes	No	-
Bitwala	Germany	DE	Yes	Yes	15 EUR
Dukascopy	Switzerland	CH	Yes	Yes	5 DUK+
Starling	UK	GB	Yes	No	-
Revolut	UK	GB	Yes	Yes	£3*

Fineco Bank

This is a full multicurrency bank account which allows you to hold, exchange and spend a bunch of different currencies with no additional fees. This makes it really useful for converting your cash back into GBP.
They also offer a Visa debit card, linked trading and investing accounts and a great sign up bonus at the moment.

• You get an Italian IBAN once you successfully open an account.
• If you sign up with my code UK7212656, then you will get a £50 bonus deposited directly into your account.
• To receive the £50 bonus, you must sign up before Thursday 19th March 2020 and meet some additional requirements.
• I'll also receive £50 when you do.
• Total reward: £50
• This offer has now expired.

	Link	Bonus
Referral:	https://finecobank.com/uk/apriconto/scelta-online-uk	£50
Non-ref:	https://finecobank.com/uk/online/mgm.html	-
Info / Terms:	https://finecobank.co.uk/uk/promo/mgm48/details.html	-

TransferWise

Probably my favourite after Fineco, and another one of the most useful outside of using to make money from offers. You can receive money in AUD, EUR, GBP, NZD, PLN and USD, and can transfer to and send money in 18 different currencies.
They are one of few that places where you can also open a US Dollar balance and get the full details required for ACH and wire transfers too.

• You get a Belgian IBAN once you open a Euro balance.
  
• If you sign up with my referral link, then you will get a free transfer on any balance up to £500.
  
• For every 3 referrals I make who transfer £200 or more, I will receive a bonus of £50.
  
• Total reward: free transfer
  

	Link	Bonus
Referral:	https://transferwise.com/inviteharryt167	Free transfer
Non-ref:	https://transferwise.com/gb/borderless/	-
Info / Terms:	https://transferwise.com/help/21/inviting-friends	-

bnc10

This account has been one of the best for money transfer offers, as it is accepted where some others have had issues, and Spain seems to get better rates or lower fees with certain merchants.
Transfers both to and from this account seem to be processed much faster than some of the other EUR accounts available.

• You get a Spanish IBAN once you successfully open an account.
• There is currently no reward offered.
• There have previously been rewards offered so it's worth keeping an eye out if you don't need the account yet.
• Total reward: N/A

	Link	Bonus
Non-ref:	https://bnc10.com/en/	-
Info / Terms:	https://bnc10.com/en/legal-notice-and-terms-of-use/	-

Bitwala

A great account to have that offers linked BTC and ETH wallets, as well as the ability to buy and sell both cryptocurrencies directly in the app. This makes it an easy way to cash out other cryptocurrency offers.
They also offer a Mastercard debit card with fee-free foreign spending and withdrawals.

• You get a German IBAN once you create a BTC wallet.
• If you sign up with my referral link, then you will get a 15 EUR bonus deposited directly into your new account.
• I'll also receive 15 EUR when you do.
• Total reward: 15 EUR

	Link	Bonus
Referral:	https://app.bitwala.com/AbZqAdM6	15 EUR
Proof:	https://imgur.com/DBym52C	-
Non-ref:	https://www.bitwala.com/bank-account/	-
Info / Terms:	https://www.bitwala.com/invite-friends/	-

Dukascopy

This is an odd one to set up as you do it through a chat bot in their app, but once it's done you can continue to manage the account either through the app or online, which I find a bit more straightforward.
It's another multicurrency account, so you can open balances in a range of different currencies.

• You get a Swiss IBAN once you successfully open an account.
• If you sign up with my referral link or code 3CV-9WY, then you will get a 5 DUK+ bonus.
• These can be exchanged directly within the app and are currently worth around 1.72 EUR each.
• As Ty23ed has pointed out, you must also now deposit 25 EUR in order to receive the bonus. ellemerve has updated saying no deposit is required any more.
• I'll also receive 5 DUK+ when you do.
• Total reward: 5 DUK+

	Link	Bonus
Referral:	http://crazy911.com/referrals/?ref=share3CV-9WY&lang=en	5 DUK+
Proof:	https://imgur.com/MMJPu6b	-
Non-ref:	https://www.dukascopy.bank/swiss/	-
Info / Terms:	http://crazy911.com/referrals?lang=en	-

Starling

You must already have a Starling current account for this, but it allows you to add a Euro account to your existing account. It's great for receiving and cashing out, as you only get charged 0.4% on top of the Mastercard rate, and happens instantly.

• You get a GB IBAN once you successfully add the Euro account.
• There is currently no reward offered.
• There haven't previously been any rewards offered that I'm aware of.
• There is currently no reward for opening an account, and I'm not aware of any ever having run previously.
• Total reward: N/A

	Link	Bonus
Non-ref:	https://www.starlingbank.com/current-account/euro-bank-account/	-
Info / Terms:	https://www.starlingbank.com/docs/Account-Schedule-Euro-PCA.pdf	-

Revolut

This is similar to TransferWise in that you can receive and spend balances in different currencies, but Revolut allow you to hold and exchange a lot more currencies. They've also recently started offering Perks and linked cryptocurrency wallets.
Like Starling, they're great for receiving and cashing out as you can exchange from any of the supported currencies back into GBP at the Interbank rate.

• You get a GB IBAN once you successfully open an account.
• If you sign up with my referral link, then you will get a free card.
• If you sign up to OhMyDosh with my referral link, then you will get £1 cashback added directly to your account.
• If you sign up to Revolut through OhMyDosh, then you will get £2 cashback added directly to your account.
• Total reward: £3 if you are new to OhMyDosh, £2 if you are new to Revolut but not OhMyDosh or just a free card if you want to sign up directly.

	Link	Bonus
Referral:	https://revolut.com/referral/harry45lz!F02921_B	Free card
Non-ref:	https://www.revolut.com/a-radically-better-account	-
OhMyDosh referral:	https://ohmydosh.co.uk/validate/refer_a_friend/welcome/529217?keyword=referred	£3
OhMyDosh non-ref:	https://ohmydosh.co.uk/offeo/revolut	£2
Info / Terms:	https://blog.revolut.com/give-get-referral-program/	N/A

Comments

This a comprehensive list by any means. There are a couple I've left out intentionally (eg. N26 as for people in the UK they only offer a GB account and are closing them in April) and I imagine others that I just haven't seen yet.
Please share your own opinions, experiences and referrals for any of these, and any other that I may have missed.
Happy to help with any questions in the thread, or message or DM if you'd prefer :)
Edit: the Fineco Bank offer has now expired, unfortunately.

Hi there everyone :) I have made a guide on six easy ways that you can earn money:
1) FruitLab: FruitLab is a site that allows you to make money by watching and uploading short video game clips.
You can record some short highlights from games you play on a desktop, console or mobile, upload them to FruitLab and get points that you can exchange for items. For instance, Amazon gift cards (6250 points for a £5 gift card) and a Mastercard/visa card (25,000 points for £20). Since joining over a month ago I have made $185.
Alternatively, you can just watch videos and you'll get points for each video that you watch (usually 2 to 20 points per video).
Referral link (Earn 100 points): https://fruitlab.com/ref/IiZlUIw8
Non-referral link: https://fruitlab.com/
2) SerpClix: SerpClix is a Firefox-only extension that pays you to make a Google search and click on a particular search result. I mainly use Chrome but I installed Firefox to give this a go. To start earning simply follow the instructions below:
1) The extension lets you know that a new search is available. 2) You click on the ordenotification (the extension automatically opens Google and copies the search term). 3) Then paste the search term into Google (CTRL+V) and click the search result that is highlighted. 4) You then remain on the site until the countdown in the corner is complete. 5) Once the countdown is complete the tab will close and you will be paid for the search. You can then complete your next order.
Payments are sent automatically each month by PayPal (minimum cashout is $5.00) and you are paid $0.10 for each search that you successfully complete.
Referral-link: https://serpclix.com/users/referrals/Q66AI77XSMKM4P8XNLN8WMWUR
Non-referral link: https://serpclix.com/
3) LazyBucks: LazyBucks is a Chrome web extension that pays you to connect it to your Facebook account. You need a personal computelaptop/tablet, google chrome (to install their extension) and a Facebook account. For each week that you leave it connected to your account, you get paid $5 per week. You also get paid $5 for referring each person that successfully activates their account.
Referral: https://lazybucks.co/?usr_ref=7f97c3827c555d8a
Non-referral: https://lazybucks.co/
4) Football Index: Football Index is an app and site where you can buy and sell shares in football players. You can earn £10 by following these steps:
1)Register an account at Football Index ( https://trade.footballindex.co.uk/raf/?tag=492916 ) and enter my unique referral code ( 492916 ) along with your details (The code must be entered to receive £10) 2)Deposit a minimum of £10. Once you've followed these two steps we should both receive £10 which you can use to trade or withdraw immediately (it takes a few days to reach your bank account).
Non-referral: footballindex.co.uk
5) OhMyDosh: OhMyDosh is a cashback site that has a "Lightning Payouts" section for payments that can be completed quickly. £10 is the minimum to cashout via PayPal. There are plenty of offers but below are some offers that you can complete to reach the minimum cashout without spending anything :
-Simply sign up:
Referral link (free £2 welcome bonus): https://ohmydosh.co.uk/validate/refer_a_friend/welcome/4835?keyword=referred
Non-referral link (no welcome bonus): https://ohmydosh.co.uk/
-30 Day Free Trial With Prime Video (Earn £4). If you already have an account you can use a new card and email address and it will work.
-30 Day Free Trial With Amazon Music Unlimited (Earn £2). If you already have an account you can use a new card and email address and it will work.
-Get A 30 Day Free Trial With hayu (Earn £2.50).
- Take control of your money with Yolt (Earn £3).
- Get Two Months Free with gohenry (Earn £5).
When you confirm your email you will receive £0.50 and if you complete the tell us what you want task you will receive another £0.50.
Good offers that you can complete to earn money quickly with some investment:
-Get A 1 Month Trial With Readly for Just 99P (Spend 99p but Earn £2.50).
-Get your 1st Graze box for just £1 (Earn £2)
-30-Day Which? Trial For £1 (Earn £1.50)
-----
6) Wingo: You can now join the Wingo Card waiting list and receive a free $2 when they launch in Summer 2020 (they are accepting people from the UK, US and Canada). You can also earn $2 for each person that joins using your referral link.
To receive the free $2 sign-up using my referral link: https://wingocard.com/inv/Lawrence7
Non-referral link: https://wingocard.com/
FAQ:https://wingocard.com/faq/

Hi there everyone :) I have made a summary of sites that have helped me earn extra money easily this month.
1) FruitLab: FruitLab is a site that allows you to make money by watching and uploading short video game clips.
You can record some short highlights from games you play on a desktop, console or mobile, upload them to FruitLab, and get points that you can exchange for items. For instance, Amazon gift cards (6250 points for a £5 gift card) and a Mastercard/visa card (25,000 points for £20). In the past, I have exchanged points for Amazon gift cards, and today I cashed out $200 (200,000) points via PayPal.
Alternatively, you can just watch videos and you'll get points for each video that you watch (usually 2 to 20 points per video).
Referral link (Earn 100 points): https://fruitlab.com/ref/IiZlUIw8
Non-referral link: https://fruitlab.com/
2) SerpClix: SerpClix is an extension that pays you to make a Google search and click on a particular search result. To start earning simply follow the instructions below:

1. The extension lets you know that a new search is available. 2) You click on the ordenotification (the extension automatically opens Google and copies the search term). 3) Then paste the search term into Google (CTRL+V) and click the search result that is highlighted. 4) You then remain on the site until the countdown in the corner is complete. 5) Once the countdown is complete the tab will close and you will be paid for the search. You can then complete your next order.

Payments are sent automatically each month by PayPal (minimum cashout is $5.00) and you are paid $0.10 for each search that you successfully complete.
Referral-link: https://serpclix.com/users/referrals/Q66AI77XSMKM4P8XNLN8WMWUR
Non-referral link: https://serpclix.com/
3) LazyBucks: LazyBucks is a Chrome web extension that pays you to connect it to your Facebook account. You need a personal computelaptop/tablet, google chrome (to install their extension) and a Facebook account. For each week that you leave it connected to your account, you get paid $5 per week. You also get paid $5 for referring each person that successfully activates their account.
Referral: https://lazybucks.co/?usr_ref=7f97c3827c555d8a
Non-referral: https://lazybucks.co/
4) Football Index: Football Index is an app and site where you can buy and sell shares in football players. You can earn £10 by following these steps:
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I’ve left everything in GBP. 1 GBP = 1.26 USD
H = Husband
S = Son (3 months old)
Section One: Assets and Debt
Retirement Balance ~ £65,000 in a workplace pension across 2 providers (I contribute 5%, my employer contributes 7%) H has approx £30,000 in a workplace pension. If the state pension exists by the time we retire (who knows!) we’ll claim this too.
Equity if you’re a homeowner - £140,000. House is valued at around £400,000 and we have approx £260,000 left on the mortgage. We currently overpay £700 a month to clear the balance quicker. Fingers crossed Brexit doesn’t cause the housing market to crash when we remortgage next year.
Savings account balance - £9000 in easy access savings account (maternity leave pot), £9500 in Cash ISA (emergency fund), £13,000 in Stocks & Shares ISA (investments), £1160 in a High Interest Savings Account.
I also have ~ £129,000 in stock grants and ESPP with my company, £23,000 of which has vested. The rest vests between now and April 2023….assuming I stay employed at the same company (hard not to with these golden handcuffs!)
£4200 in stock through H’s SAYE scheme at work. This vests in October 2020 and should be worth about £9000 by then.
Checking account balance - Approx £500 for me and £500 for H as it’s payday and we have this as our personal spending money per month.
Credit Card debt - £0. We did buy some furniture at Harvey’s on a 0% deal when we bought our house nearly 4 years ago. The balance outstanding is £300….we should really just pay this off but it is 0% so we’ve just left it.
Student Loan debt - £0 for me (I had £24,000 total paid off last year) £2500 for H (total debt was around £18,000) which will be paid off in the next few months. We both have Bachelor degrees only.
Anything else that’s applicable to you - I am currently on maternity leave with our first child so not working currently. I’m due to return to work at some point between April and July 2020. My employer provides 26 weeks of maternity leave at full pay so I am using this and then will drop to statutory maternity pay (£148 a week) for my last couple of months. I have £9000 saved to cover me during this period and also pay for anticipated nursery registration costs or upfront nanny search costs.
Taking 6-12 months of maternity leave is the norm in the UK, but even still, I am very lucky to have a great maternity package (ironic as I work for an American company!!)
Section Two: Income
Main Job Monthly Take Home: ~ £5400
(This is after Tax, National Insurance, Retirement, Private Healthcare for me, H and A, Dental plan and contribution to ESPP)
I get a £19,000 bonus annually but have not included this in Monthly Take Home as it’s only paid over 2 months on the year. In the past we've spent the bonus on home renovations but now that's all wrapped up we'll probably throw it at the mortgage.
H’s Main Job Monthly Take Home: ~ £2900
(After Tax, National Insurance, Retirement and SAYE Contribution)
H gets around £2000 bonus annually also.
Side Gig Monthly Take Home: Nope!
Any Other Monthly Income: Nope! H sometimes does out of hours work which pays on average an extra £300 or so per month, but it’s variable. He also gets free public transport which saves us about £200 a month in commuting costs.
Section Three: Expenses
Mortgage - £1927 (Monthly payment is £1227 but we pay £700 extra per month) for a 3.5 bedroom house in zone 6.
Retirement Contribution - Mine is £1060.93 pre tax, detailed above. 5% from me and 8% from my employer.
H is around £500 I think, not sure if he exact % split, but I think it’s 4% with a 6% match.
Savings Contribution - I save ~ £1500 to a high interest savings account, £250 to Holiday Fund, £125 to S’s Junior ISA. H saves ~ £500 per month to his general savings and £100 in a savings account for his family.
Investment Contribution - £750 to Stocks & Shares ISA, £410 to ESPP (taken pre tax), £200 to SAYE (taken pre tax)
Debt Payments - £50 Harvey’s 0% Loan
Donations - £50 to various charities. We do have some direct debits but I tend to just sponsor people for the various fundraising activities they’re doing as my primary form of giving. I volunteer a lot through work so currently I am not giving any of my time, but will get back to this when I return. H volunteers 20-40 hours per month.
Electric & Gas - From £70 - £160 depending on how much heating we’ve used. We just switched our tariff for a better deal.
Water - £31.10
WiFi and TV Package - £39
TV License - £12.83
Council Tax - £211 (10 months of the year. Nothing is paid in Feb & March)
Cellphone - Work pays for mine. H pays £30.
Subscriptions - £4 Medium, £0.79 iCloud storage, £5.99 Netflix, £9.99 Spotify
Life Insurance - £14.22 (we both have some cover through work so have a relatively small level of cover we pay for ourselves to “top up” the work provided cover)
Car Payment - £235 (This is a lease, on an 10000 mile per year 3 year term) We don’t drive much as we take public transportation for work so spend only £50-100 a month on petrol.
Cleaner - £60 (2x3 hour visits per month)
Annual Expenses - Home Insurance £380, Car Insurance £600, Amazon Prime £79, Costco £39
Day 1 (Wednesday)
06:00 - S is up bright and early so I nurse him and since H is working from home today I squeeze in a quick Yoga video on YouTube before getting ready for the day. I love YouTube for free workouts! Before S was born, I used ClassPass but it doesn’t cover classes in my hometown and I don’t commute into the city anymore so had to cancel.
I shower, eat cereal, drink coffee and put S down for his first nap while watching Suits on Netflix.
08:30 - Try on the contents of my ASOS parcel from yesterday. 2 sets of Jeggings, 2 Bras, 1 Blouse and a pair of Trainers. All wonderful apart from the trainers, so I package up to return. Will expect a £10 refund to come through next week.
10:00 - H places an Amazon order for a Wicker Basket and book for S (£20.98). We live off Amazon Prime deliveries and have at least 1 parcel a day arrive. If we need something and it’s available on Amazon, take our money!
13:00 - Meet with some other local mums for coffee at the nearest buggy friendly café we can find. Flat White and a Lemon Drizzle Muffin for me (£5.95). They say breastfeeding burns 500 calories a day right? S has a meltdown so I cut the visit short and have a little cry on the way home. S is quite a challenging baby and I normally cope ok but I have the odd moment still where I find it overwhelming. H thankfully takes him off me and settles him enough to nurse and subsequently conk out.
17:50 - Read the latest Money Diary. It’s the French lady in the abusive relationship doing a follow up! Feel very spoilt. Also place an Amazon order for a fascinating device - the “Baby Susher”, which basically just plays “ssshhh” sounds. S responds really well to “ssshhh” but it’s starting to hurt my teeth and make me feel lightheaded! A whopping £29.95 spent, but hopefully it’s worth it.
Daily Expenses £56.88
Day 2 (Thursday)
07:35 - Book myself a home massage for next week on Blow LTD (£60). It’s pricey, but I can’t get out easily with S and I am permanently sore and tense from holding him. My employer reimburses some health related costs so I will submit this as an expense.
10:45 - Now it’s S’s turn! We are attending “Baby Massage” class with S this morning - we try and do something every day to get out, but I think the massage does help him chill a bit too. I already paid for a set of 5 classes (around £50-60 I think) and today, my friend buys me a coffee so I can go and nurse S before class.
13:00 - We have a wonderful cleaner come biweekly to clean and iron for us, which is honestly a marriage saver for us. I used to feel super indulgent and embarrassed to admit we had a cleaner but I’m over it! She charges £10 an hour (no agency, so cash in hand) and does a fantastic job. We’re considering upping her to weekly now that we have S to look after too. 3hour clean today so £30 paid.
14:00 - H calls to say our private health insurance company has declined to pay for his treatment since I accidentally removed him from my plan when I added S. Whoops! Promise to sort it out ASAP, although it’ll require me to log onto my work laptop which I hate doing on maternity leave, even though I really miss work!
16:00 - Take S to see my parents. They feed me tea and biscuits and play with S. Result.
18:45 - Unpack the “Baby Shusher” and give it a little go. Impressive….
Also unpack a letter from British Gas about our new tariff. Less impressive…..
20:10 - It’s the release of the new term of Baby Sensory classes and if you don’t act quick, you don’t get a spot! S loves sensory and I love a happy S so I sign him up for the winter term. Oh how life has changed…..£65
Daily Expenses £95 (not including Massage as it will be reimbursed)
Day 3 (Friday)
06:20 - Up for the day and do the normal morning routine with S. Run around doing some laundry and other chores while he is occupied in his swing. It’s truly amazing how much laundry a baby generates, especially a refluxy baby like S. 3 outfits a day, muslins, sheets, bibs, blankets, it’s insane. We’re getting a tumble dryer now because we can’t cope.
09:20 - I’m trying to construct a new bouncer but the screws provided are impossible to get into the hole! Give up and finish our online Tesco Shop instead.
11:30 - Finally get upstairs to shower and get dressed but S has other ideas. I manage a bit of deodorant, some brow pencil, mascara, hair in a messy bun and yesterday’s clothes.
13:00 - A friend comes over to visit us and recounts the time her daughter called her teacher a Dickhead. It made my day. We drink coffee, pass S back and forth and catchup on our lives. A lot of my friends either don’t have kids yet or do but are not local, so I’ve had to acquire a full new set of mum friends recently. We all know making friends as an adult is hard but having babies all at the same time really is something to easily bond over.
18:30 - H is home and we’re both starving, so we order a Dominoes (£24.90). I eat most of mine (half Hawaiian, half Double Pepperoni) one handed while nursing, (a skill I’m getting really good at recently) and drink a cocktail H made for us. We get takeaway around once a week and between us probably eat 2-3 out of 14 lunches out and 1-2 dinners. Everything else we bulk cook at home. H takes over S Duty while I have a hot bath and listen to the “Headspace” episode of the “How I Built This” podcast. H also successfully builds the bouncer!
Daily Expenses £24.90
Day 4 (Saturday)
06:15 - Wakeup, settle S in his bouncy chair and have some Museli and Coffee. Nurse S and read the new money diary.
08:00 - Hot Yoga Class! I love this class and this studio, and had to give it up when I got pregnant so I only started back last week. I don’t get much “me time” nowadays so this class is a lifesaver. I paid £160 for 24 classes last week so don’t pay today. I get home and quickly shower while H stays with S and watches the Rugby. He has dressed S in his England Rugby onesie for the occasion!
10:30 - Our online grocery shop is delivered. We order weekly from Tesco and normally spend around £50 (excluding some meat, which we buy separately) but this week we’re doing a huge bulk cook so we stock up. We get spinach, limes, pasta sauce, milk, parmesan cheese, onions, hummus, beef brisket, pork loin, lazy garlic, peppers, grapes, wraps, eggs, pasta, chilli, peanut butter, freezer bags, carrot sticks, sundried tomatoes, coke, frozen veg and loads more. £86.41
11:00 - Our Musclefood meat delivery has also just been charged. We got 7.5KG of Chicken Breasts, 6 packs of meatballs, 4 packs of Sausages, 8 Burgers and a few other bits. £63.99
12:00 - The bulk cooking marathon commences.We cook around 60 meals for the freezer, comprised of 8 different dishes. This is the third time we’ve done a huge bulk cook after doing it before our son arrived and finding that we could not survive without our freezer meals - the days are just too chaotic with a newborn and we would have resorted to ordering takeaways much more if we didn’t always have prepared meals ready to go. Now it’s a monthly event for us. It takes 3-4 hours including clean-up and probably another hour planning and ordering the shop with all the right ingredients but if we needed to cook every night we’d spend much longer doing it.
16:00 - And we’re done! During the bulk prep I’ve done 2 nursing sessions, 3 nappy changes, 1 full outfit change, lots of entertaining and settled S for 2 naps also, so I’m feeling pretty triumphant! Now we can relax a bit and enjoy our evening. H heads to the shed to do manly shed related things and I sit down for another nursing session and reply to some WhatsApps.
18:30 - We have one of our prepared meals (Tuscan Chicken Pasta Bake) for dinner and watch some Netflix, then it’s bath and bed for S . I go to sleep shortly after, as I get up in the night to nurse / express so need to sleep when I can.
Daily Expenses £150.40
Day 5 (Sunday)
06:05 - S wakes himself up by throwing up his last feed all over his crib. No Sunday sleeping in for me. Usual routine of breakfast, nursing and playing with S before his first nap.
08:45 - We’re meant to go to church this morning (we’re trying to take S now, as he’ll be Baptised in the new year) but it’s pissing down and H has the car. I make an executive decision to skip it, stay warm and dry and we spend the rest of the morning hanging out while H goes to a gym class.
12:00 - H’s mum arrives for babysitting duty. It’s the first time we’ve left S with her (and only the second time we’ve left him at all) but it’ll be good for them both to spend some time together and good for me and H too. I fret a bit, making sure she knows where everything is and when he should eat/sleep then we head out. Pay £3.50 for 3 hours parking in a high street, which is quite frankly…daylight robbery!
12:30 - Our planned lunch restaurant is only serving Afternoon Tea till 4pm (wtf!) so we leave and head to another place in town. They didn’t even have an Afternoon Tea menu on their website, let alone have anything written about not serving the regular menu. I love an Afternoon Tea, but I’m in the mood for a hot meal. Annoying! In the other restaurant we share Bruschetta and get Calzone and Cheesesteak for mains. It tastes good, but nothing special really. Service was ok so we add a small tip. £42.15
13:30 - We head over to a proper desert shop that’s recently opened to satisfy my sweet tooth. I get a Kinder Bueno Waffle and H gets a Crepe, both delicious. £13.05 We pop into a couple of shops and get bath toys for S and an iPhone cable at Poundland £2.
14:00 - H withdraws £400 to pay a deposit for a second hand motorbike he’s going to see later. It’s a 90minute ride away so it’ll just be me and S at home for a few hours.
H’s mum says she loved looking after S and would happily do it again (woohoo). S proceeds to resist sleep for the next 2.5 hours before crashing out in the baby sling. Netflix and chill for a while.
18:50 - H returns home with £400 as he didn’t like the bike. He also filled up the car with petrol (£59). H has been snoozing in the sling for nearly 2hours so I wake him and we eat, clean up the house a bit and I buy a new book on Kindle to get started on £9.99.
Daily Expenses £129.69
Day 6 (Monday)
06:05 - S has been thrashing around in his sleep since 04:00 so I wake up feeling sleepy. I get coffee immediately and do the normal routine.
07:30 - S is sleeping so I tidy up the kitchen, throw some laundry in and empty the bins. I know….it’s a dull existence. I have nothing but respect for SAHM’s. They are heroes! I am very excited to return to my job next year.
09:10 - Another nap, more chores. This time I hang out laundry and make a big Egg Frittata to feed me for some lunches this week. Our freezer stash goes a bit further if I don’t eat leftovers for lunch so I try and make something different, although I pretty much graze all day since breastfeeding makes me so hungry.
I’d planned for us to go on a walk with a parents group this morning, but the time isn’t great for when feeds and naps are due so I skip it and plan to go for a walk later.
15:30 - Plans are scuppered by the rain. Argh!!
18:30 - H is home from work and asks if I want to go to the gym while he watches S. I’m too tired from last night so decline, but instead take myself up to bed for 30mins to journal. I’ve been keeping a diary since I was 11years old and write 1-2 times a week still. I also call the healthcare company to try and sort out the insurance issue (partially resolved) and they tell me that I get a £150 cash benefit for having a child. Free money! I’ll file the claim another day.
19:00 - Dish up Parmesan Honey Chicken from the Slow Cooker, add Rice & Broccolini and we eat. This was one of our freezer meals and tastes delicious, we make it every time.
Daily Expenses - £0
Day 7 (Tuesday)
07:00 - The gift of an extra hour in bed. Thank you S. I feel like a new woman.
08:30 - Get an email notification that our joint account is overdrawn so I quickly transfer £200 in from my current account. We always go overdrawn at some point every month (we rectify it quick so don’t get charged a fee) but really must start just putting more in to start with. The joint account started at a place to pay all our bills and mortgage from but has evolved as so many of our expenses are joint now. Any groceries, or anything for the house or S for example, comes from this account.
10:45 - £15 discount code comes through from Blow LTD so I immediately book a Gel Manicure for next week. (£25) I had to cancel my massage, so get refunded £60. I may be covered in baby puke most days, but at least my nails will look nice! Unsurprisingly Gel Manicures are not eligible to be claimed through work so I pay this.
12:00 - Baby Sensory Time! Today’s session features lots of singing, rattles and a puppet show. S is fairly mesmerised and I chit chat with some other mums for a bit. We already paid for class so no charge and parking is free.
13:30 - Order a “Cuski” comforter from Amazon for S. He has started holding onto his muslins and rubbing them on his face / chewing them when he’s tired so I decide it’s time for an official comfort blanket for him. These are supposed to be NHS approved so I accept the rather extortionate cost of £15.99. However, cost ends up being £0 since we have loads of gift certificate money on the account (don’t know why, but probably related to our amazon addiction).
15:00 - Visit to my parents house again with S. More tea and biscuits. I actually don’t drink tea at home, but when someone says “do you want a cuppa” I just automatically say yes. Don’t know why.
My sister is home so we catch up on what’s happening in her life. It’s nice to see her more often now she’s graduated and moved back from uni.
18:30 - I didn’t manage to put tonight’s dinner in the slow cooker on time so we have nothing to eat. H suggests we get a Chicken Shish and Chips to share so I walk down to the local chippy to collect it (£9.30). I purposely leave my phone home so I can have a bit of thinking time. I do a mixture of pining over my former life and thinking about what I can do tomorrow.
Daily Expenses £50.29
Weekly Totals
Food + Drink £245.75
Fun / Entertainment £74.99
Home + Health £98.92
Clothes + Beauty £25
Transport £62.50
Other £0
Reflection
I hesitated writing this, as I know my day to day is pretty dull now I have S, but since I love reading money diaries, I wanted to give something back to the community.
This weeks diary was fairly reflective of our spending, and we now spend less that I am at home with S, as I don’t spend anything on commuting, drinks/dinners after work etc.
We are so incredibly fortunate to have high salaries and both try and live well below our means so we can save a lot and also not ever be tied to our jobs.
Neither of us come from money and earn a lot more than we ever expected to in our lives but we're really not extravagant people, so our frugal habits (like bulk cooking for example) have always remained.
I hope you've enjoyed reading!